 Blemish Credit doesn't have to mean the end of your dream of homeownership. Nonprofit HUD-certified credit counseling is a safe resource that can help you manage debt and ensure a bright financial future. The National Foundation for Credit Counseling serves all 50 states and offers counseling at low or no cost. To learn more about HUD-certified credit counseling, visit NFCC.org or call 844-865-3028 today. This message was sponsored in part by Wells Fargo.